May 27, 2025
Tuesday, May 27th, 2025
11:00 am - 1:00 pm EST
After a detailed credit analysis of a loan request has been performed, it is now time to communicate your findings in writing. Credit memoranda are a primary means of communications as they serve three functions: 1) they provide information on the condition and status of a customer relationship, 2) they provide a record of thoughts and actions, and 3) they support or recommend an action to be taken.
The purpose of this session is to draw upon skills acquired from understanding Credit, Ratio, and Cash Flow Analysis to write an effective credit memorandum. The session places emphasis upon knowing how to meet the expectations of credit managers to win their support and those factors or trends that are most important and relevant without the need to state the obvious. In short, the credit memo should present relevant, material facts and the writers’ thoughts and opinions based upon a thorough analysis of the prospect or borrower.
Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of SouthTrust Bank and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta.
Most of his career has been spent in Credit Administration, Lending, Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individual, Middle Market Companies, Small Business, Real Estate and Non-Profit Organizations.
Mr. Johnson is now a training professional in the financial industry by leading various seminars covering important topics relating to issues in financial institutions. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual financial institutions nationwide. He co-authored a training course entitled "Lending to Service and Other Professional Organizations" for RMA in 2001.
Mr. Johnson earned a B.A. Degree in Accounting from Morehouse College in Atlanta; a MBA in Finance from John Carroll University in University Heights, Ohio; Banking diploma from Prochnow School of Banking at the University of Wisconsin and a Graduate Certificate in Bank Management from the Wharton School of Business at the University of Pennsylvania.
Who Should Attend?
This session is ideal for senior loan officers, senior credit officers, board members on loan committees, small business lenders, credit administration personnel, commercial loan officers, consumer loan officers, credit analysts, loan review personnel, compliance officers, internal auditors, and branch managers.
$299.00 or 1 Token
Available Upgrades
Brooke McCormack
Education Meeting Coordinator
bmccormack@indiana.bank
317-387-9380